FIRE Calculator for India
FIRE Calculator for India
How much do you need to never have to work again?
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Your FIRE number
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corpus needed, in today's money
Years to get there
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at your current savings rate
Corpus needed at that date
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inflated to the future year
Your savings rate
0%
of what you earn and spend
Coast FIRE number today
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stop adding, still retire at 60
Income the corpus supports
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per month, in today's money
The 4% rule is American, and India is not America
The 4% rule comes from US market history with roughly 2–3% inflation. India has run 5–7%, which erodes a portfolio far faster over a 40-year retirement. Most Indian analyses land nearer 3–3.5%, and every extra half-point of withdrawal rate meaningfully raises the risk of running out.
Your savings rate matters more than your return
Going from a 20% to a 50% savings rate cuts decades off the timeline; going from a 10% to a 12% return shifts it by a few years. The savings rate is also the variable you actually control — returns are a market outcome, not a decision.
Healthcare is the gap most Indian FIRE plans miss
There is no Medicare equivalent, and medical inflation runs well above general inflation. Retiring at 45 means self-funding health cover for four decades, with premiums that rise steeply with age. Budget for it explicitly rather than assuming your current employer cover continues.
Illustration only, and deliberately conservative. The withdrawal rate defaults to 3.5% rather than the American 4% rule, because Indian inflation has historically run higher and the 4% figure comes from US market history. Excludes healthcare inflation (which runs above general inflation and has no state backstop in India), taxes on withdrawals, family and dependant costs, and sequence-of-returns risk in the early retirement years. Coast FIRE assumes a target age of 60. Not financial advice.